What is general liability insurance? | Hiscox Business Insurance Experts

Hiscox, the business insurance experts, summarize the purpose of general liability insurance for a small business.

Transcript:

Nothing is more rewarding than getting a business off the ground.
But while you’re rising, it can be easy to overlook the risks you face as a business owner.

Unforeseen events like claims of damage or injury happen all the time.
And being sued by a third party can really upset your plans.

The good news is there’s a simple way to protect your business. It’s called General Liability insurance.

General liability insurance which is sometimes called business. or commercial liability insurance, is designed to protect you.

If your business is sued, you can use general liability insurance to cover legal fees.

You need general liability insurance if you interact with clients face to face, have access to a client’s property or need coverage to enter into a contract.

A general liability insurance policy can cover claims of bodily injury to a customer, vendor or someone else, such as a slip and fall.
Damage to property belonging to someone else.
Personal injury, such as writing or talking about your clients in a false and unflattering way

Advertising injury, like claims of copyright infringement or stolen ideas and more.
General liability insurance does not cover things like:
Your own property
Vehicles and boats
Professional services or
Workers compensation

With Hiscox, getting a fast, tailored and affordable general liability insurance policy is simple to do online or over the phone.
You’ll need to provide basic information about your business and services.
And once your application is complete, you can receive your policy documents and coverage the same day.

The best time to think about general liability is before the unexpected happens.

With insurance to help power your journey, you’ve got the reassurance you need to keep your business rising

Go online to start a free quote and see how easy it is to protect your business.

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